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"Tesis ini membahas pengaruh makroekonomi dan konsenterasi perbankan terhadap penyaluran kredit UMKM di 33 provinsi di Indonesia selama periode 2007-2012. Penelitian kuantitatif ini menggunakan teknik estimasi data panel dengan metode Fixed Effect. Hasilnya menunjukkan konsentrasi perbankan, inflasi, dan suku bunga kredit modal kerja (SBMK) berpengaruh signifikan, sedangkan PDRB tidak berpengaruh signifikan. Tesis ini menyarankan Bank Indonesia dan Otoritas Jasa Keuangan (OJK) memperlonggar regulasi kredit bagi UMKM. Bank sentral juga perlu menjaga stabilitas inflasi dan tingkat suku bunga pada level yang rendah. Pemerintah daerah perlu membantu meningkatkan kualitas UMKM melalui pelatihan usaha dan keuangan, serta mendorong BPD meningkatkan alokasi kredit UMKM.

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This thesis analyses the influence of macroeconomic and banking concentration towards loan disbursement for MSME in 33 provinces in Indonesia during 2007-2012. The quantitative approach of this research uses data panel estimation with Fixed Effect method. The result shows that banking concentration, inflation and working capital lending rate (SBMK) have significant impact, while GDP has smaller impact. It suggests the central bank and Financial Service Authority (OJK) to ease credit regulation for MSME. The central bank also needs to maintain inflation stability and interest rate at a low level. The regional government must enhance the MSME quality through business and financial training, and urge regional development banks to increase credit allocation for MSME."

"Helps you take a policy-based approach to teaching introductory economics. In this title, significant updates reflect the most recent economic events and policy developments, which the authors skillfully relate to the book's concepts and principles using the right level of rigor and detail"

"Marconomics is about human economics. This text introduces marconomics, examining how the use of the social sciences, consumer behavior in particular, is used to explain and develop economic activity. Blawatt argues the philosophy and principles of the classical school of economic thought are problematic and should be replaced with a new model."

"ABSTRACTNon Performing Financing is the most important issue for banks to survive. This study aims to analyze the determination of internal and external factors on Non Performing FInancing on Sharia Banking in Indonesia. This study uses Error Correction Model analysis techniques. The results show that in the short term the variables that have a significant effect on Non Performing Financing on Sharia Banking in Indonesia are inflation variables, while the Exchange Rate, Bank Indonesia Certificate of Wadiah, Industrial Production Index, Financing Deposite Ratio, and Capital Adequacy Ratio variables have no significant effect. In the long run the variables that are influential are Exchange Rate, Bank Indonesia Certificate of Wadiah, Financing Deposite Ratio, and Capital Adequacy Ratio, while Inflation and Industrial Production Index have no significant effect."

"Dalam penelitian ini, penulis menganalisis pengaruh variabel spesifik bank danvariabel ekonomi makro terhadap risiko kredit di tiga negara ASEAN yaituIndonesia, Malaysia, dan Brunei dalam lima periode mulai dari tahun 2015 sampaidengan 2019. Tujuan utama dari penelitian ini adalah untuk mengetahui variabelspesifik bank dan variabel ekonomi makro mana sajakah yang berpengaruhterhadap risiko kredit. Risiko kredit diproksikan dengan non performing financing.Penelitian ini menggunakan metode Panel Least Square. Hasil penelitianmenunjukkan bahwa variabel LAR, EAR dan Inflation berpengaruh positif dansignifikan terhadap risiko kredit. Sedangkan, variabel CAR dan GDP Growthberpengaruh negatif dan signifikan terhadap risiko kredit. Di sisi lain, SIZE tidakmemiliki pengaruh signifikan terhadap risiko kredit.

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In this study, the author analyzes the impact of bank-specific variables and

macroeconomic variables on credit risk in three ASEAN countries, which are

Indonesia, Malaysia, and Brunei during five periods start from 2015 until 2019. The

main goal of this study is to determine which bank-specific variables and

macroeconomic variables that affect credit risk. Credit risk is proxied by non

performing financing. This study use the Panel Least Square. The results show that

LAR, EAR and Inflation variables have a positive and significant effect on credit

risk. However, CAR and GDP Growth variables have a negative and significant

effect on credit risk. On the other hand, SIZE variable don’t have a significant effect

on credit risk."